PYM609

For comparison's sake, on a prior medical collection I was working on using your program, I received a response from a CA. From that CA I received not only a billing statement from the OC that had clearly been faxed over with a current date but also a copy of my signed HIPAA release. I didn't get anything of the sort from this CA, which makes me question whether it is legitimate.

Thanks Whychat. I'll get working on that. In the meantime as I'm waiting for those EOMB's to arrive in the mail (they should be here by today or tomorrow), how can I determine whether the documentation I received from the other CA determines whether or not they are in a current business relationship with the healthcare provider? They sent me a copy of the billing statement from 2012 from the OC, but for all I know they could have received that back in 2012. I have no way of knowing if their relationship is current.

Yea that was where the confusion came in for me because the CRAs were careful in that they did not explicitly say that the entry was "deleted" like they did with the others. The EX reports states exactly this, word for word "other items disputed are not currently displaying on your personal credit report." This was on the report sent on 6/28/16. When I checked backdoor on 7/7, that report had the account listed back on the report! It also had this written on it: Comment Account information disputed by consumer (Meets requirement of the Fair Credit Reporting Act). Reinvestigation information This item remained unchanged from our processing of your dispute in Apr 2014. As for EQ, that report stated, "We have reviewed your concerns and our conclusions are: The disputed american adjustment bureau account is not currently reporting on the Equifax credit file" However, just as with EX, backdoor shows that it's back on there and no longer marked as in dispute. I just wasn't clear whether these warranted a "reinsertion" letter to the CRAs or to just proceed with the medical DV. Your instructions are pretty clear and this would otherwise be a simple decision, but it's complicated because the CRAs didn't specifically tell me that they were DELETING the account. I feel like they left a gray area. The account is scheduled to stick around until 2018.

Oh and if it makes any difference at all, this CA Credit Resolutions was deleted from EX.

Hi Whychat, I need your help. I've had some really good results with your program in the past and had the majority of medical collections deleted. Then I got busy with school and stuff but I recently restarted this to get the last handful of medical baddies off. Anyhow, my addresses and everything were fine and I'm still opted out, so I jumped right into sending off initial disputes to the CRAs. TU didn't have any medical accounts on it so I only had to send disputes to EX and EQ. I disputed 4 collections on EX and 3 were deleted, 1 in "limbo" (American Adjustment Bureau) I disputed 2 collections on EQ, 1 was verified and 1 in "limbo"(again, American Adjustment Bureau). I'll explain what I mean by "limbo" below. I need your help now because this is where it gets confusing. Experian sent my updated credit file on 6/28 and says "we have complete the processing of your dispute(s). Here are the results:" It shows the 3 deleted accounts, but no mention of the 4th one in dispute. However on the front of the report there is a statement which says OTHER ITEMS DISPUTED ARE NOT CURRENTLY DISPLAYING ON YOUR PERSONAL CREDIT REPORT. As for EQ, an update on July 7 says that the results of my reinvestigation were as follows: 1. Credit Resolutions--verified. 2. The disputed american adjustment bureau account is currently not reporting on the Equifax credit file On a backdoor check of both credit reports, this account has in fact reappeared on my reports now as first reported in June 2016. It's on both reports, despite both CRAs telling me that it is not reporting on either file. Also there has been complete radio silence from this collection agency. That is problem number 1. Problem number 2 is in regards to the apparently "verified" debt from Credit Resolutions. I'm unsure how to tell if the CA is in a current relationship with the OC. VERY soon after the disputes were sent out, they sent me a photocopy of my dispute to Equifax, a letter stating the following: "Regarding your account detailed below (account and OC listed with DOFD and account balance), I have attached a copy of verification on this balance due the creditor listed below. If you request specific medical detail, please contact the doctor's office directly. Please note, this is an attempt to collect a debt...etc etc" They then attached a photocopy of a bill from the doctor's office with a few dates of service. Initially it looked legitimate BUT, I decided to follow your advice and obtain an EOB. The dates of service were from 2012 but I was able to call my insurance and go over the claims. I noticed one of the entries on the bill was circled faintly and while going over it with the agent on the phone, it turns out they never even billed my insurance for that service. No claim was submitted. I have no yet received the hard copies of the EOBs in the mail. My question for you, Whychat, is where do I go from here with this information? How do I know this CA is legitimately in a relationship with the OC when they only sent me a photocopy of the bill? Also, how do I handle the fact that they apparently may not have even billed my insurance for one of these visits they are billing me for?

Do you have any proof of that call, such as a cell phone bill showing it? That might be useful too in addition to what's already been mentioned. The potential problem with using the new lease and/or utility service as proof is that really doesn't in any way prove that you canceled the older service. In which case they have every right to keep billing you. Obviously every state is different but I've moved many times over the years and the situation is always identical - you call the utility and tell them the day you are moving, and that should be the last day you get billed for. Whether they are able to obtain access is of zero concern to you. It would be insane - after all, how can a renter be responsible for access to a building they are no longer living there? It's stuff like your post that now has me at a point where I try to keep thorough records of everything - if I cancel a service I even record the call. I've run into too many customer service reps over the phone that I've caught lying, and i wouldn't put it past some of them to say they have canceled something and not do it. Probably a rare event, but I believe it happens. What method do you use to record the call? 1. If you own an Android phone, there are a ton of free or near free apps that allow you to record phone calls. They can even integrate with services like Google Drive and Dropbox and automatically save all recordings to them. They don't work with ALL phones, so you need to test to confirm. I believe there are equivalents for iPhones. 2. Another option which works with any phone are VOIP services such as Google Voice, Phone.com and on and on. I believe Google Voice is still free, others such as phone.com are monthly paid services. There is actually an outstanding thread about the legalities of recording phone calls here: https://creditboards.com/forums/index.php?act=ST&f=2&t=165987&st=0&do=findComment&comment=1381922 I actually just avoided about $5000 in medical bills because I recorded a call with my insurance company where they told me they would cover something, and then refused to cover it. Now they are reprocessing it. Had I not recorded the call, it might as well have never taken place. Thanks for this info! i have an Android phone and will definitely download one of these apps

Do you have any proof of that call, such as a cell phone bill showing it? That might be useful too in addition to what's already been mentioned. The potential problem with using the new lease and/or utility service as proof is that really doesn't in any way prove that you canceled the older service. In which case they have every right to keep billing you. Obviously every state is different but I've moved many times over the years and the situation is always identical - you call the utility and tell them the day you are moving, and that should be the last day you get billed for. Whether they are able to obtain access is of zero concern to you. It would be insane - after all, how can a renter be responsible for access to a building they are no longer living there? It's stuff like your post that now has me at a point where I try to keep thorough records of everything - if I cancel a service I even record the call. I've run into too many customer service reps over the phone that I've caught lying, and i wouldn't put it past some of them to say they have canceled something and not do it. Probably a rare event, but I believe it happens. Unfortunately I don't have any proof. It would be my word against theirs, which sucks. I actually don't even know how to record calls on my phone. I'm just hoping that they take my word for it and could use my new lease and my documents showing my service in the other town as proof that I moved away and was in another location for those dates. This was why I was so concerned with how to best approach this because it's a tricky situation since I didn't record the call and thus can't produce proof that I actually called and cancelled the service.

Will this help get the tradeline removed? If not, what would it do in this situation? I know that I am still legally responsible for some of the amount owed and it's within SOL so I'm afraid of triggering a lawsuit. I'm in CT and our SOL is 3 yrs for open accounts and 6 yrs for written contracts. I'm assuming this would be considered an open account (please correct me if I'm off base). If I complain to the Connecticut public utilities commission, would this burn my bridges with the OC and risk ruining any possible chances for GW/PFD or having them close the account? . you shouldn't be charged for it after your lease ended. period. the landlord will have to pick up the bill, that's std practice. 1) them showing up a month late after you've provided notice 2) paying for the landlords electric bill while he was showing the apt or had leased it out 3)- $330 for a month's worth of electricity in July in CT? file the complaint - your lease ended, you were no longer responsible for the electric bill - if the landlord restricted access, that's his problem too. make sure you have documentation about when your lease ended, and that you had a new lease and electric service elsewhere and the dates. state that you will be more than willing to send it if requested. once you're no longer responsible for the bill, the tradeline should be removed. I'm definitely willing to show documentation of my new lease and proof of the start of new electric service with a new company beginning 8/1/14. As for the $330, yea that's ridiculous. I'm pretty sure what he did was kept the central air running 24/7 although the apartment was empty since I'd mentioned the place was freezing when he showed it to myself and my husband. Thank you for your help and now I have an idea of how to approach this

Will this help get the tradeline removed? If not, what would it do in this situation? I know that I am still legally responsible for some of the amount owed and it's within SOL so I'm afraid of triggering a lawsuit. I'm in CT and our SOL is 3 yrs for open accounts and 6 yrs for written contracts. I'm assuming this would be considered an open account (please correct me if I'm off base). If I complain to the Connecticut public utilities commission, would this burn my bridges with the OC and risk ruining any possible chances for GW/PFD or having them close the account?

I was wondering this as well. I mentioned the fact that the relationship with the landlord went sour because I think he was behind it all. The reason why is because when he showed the apartment to my husband and I before moving in, we noted at the time that the central air was at full blast and all of the lights in the apartment were on. It was freezing in the apartment when he showed it to us! I'm assuming he did the same to us and refused to allow access to the utility room for the workers to disconnect the service, so the utilities remained in my name and he generated 330 dollars of electricity charges. I have no proof of course but when confronted about this, he dropped off the face of the earth and refused to answer any phone calls or messages

I've been lurking here for a long time now but never post because I almost always find what I'm looking for searching old posts, but my current dilemma I need help with! Brief backstory: Back in 2013-2014 we had some severe financial issues for a variety of reasons. We had a good relationship with our landlord but the financial strain was really taking its toll and when our lease neared its end, we decided we had to move somewhere more affordable. When we notified the landlord that we would be moving, the relationship quickly changed (this will be important shortly). We were moving to another town 30 miles away not serviced by our current electric supplier at the time. The building we were living in at the time had a utility room of some sort which was locked and only accessible to the building super and those who were owners of the units, not renters. So, anytime someone from a utility company needed to come out and activate or disconnect a service, they had to be granted access by someone with a key. It was very bizarre. Anyway, when we moved, our landlord was not happy but we could no longer struggle to pay the rent there. I called the electric company and advised them we were out 7/31/14. I received a phone call ONE MONTH LATER from the company stating that they needed access to the utility room to shut off the electric service. I asked why they were contacting me as I had not been living there for a month and had notified them of such. He stated that I was still listed as the last person occupying the apartment and that 330 dollars of electric charges had been generated . I contacted the landlord and the electric company immediately about this but the charges remained. They also charged an additional 60 dollars of electricity for the following month and the final bill was for 9/30/14! This is where I need your help. This is my last major baddie and my reports will be mostly clean but I have no idea where to start. It's for a significant balance and it's still fairly recent, so I want to tread carefully. We are in a much better financial position so ideally, I just want to get it paid and done with. I noticed that it is listed on my report as an OPEN account so out of curiosity I tried logging into the OC's website and surprisingly, I still have access! I'm STILL able to log into the account and make a payment as if I still am a customer, like nothing ever happened. They haven't updated my reports since 2014. How do I go forward with this? I figured some possible options were: 1. Send a letter to the CEO asking for an adjustment of the balance reflecting the fact that I did not generate those final 2 months of charges, and then ask for a deletion once payment is made. 2. Just log in and make payments to the account on the website and then ask for a goodwill deletion once the account is paid in full 3. Dispute the account on the grounds that I'm not responsible for the balance being posted on my report? 4. Wait the 7 years lol By the way, if it helps, no collection agency is reporting on this account at all. It is the utility company itself that is showing on my credit reports. My biggest concerns are squeezing a lemon them off and having them either send it to a CA or suing me because it seems that the overall vibe is it's best to work with the original creditor if you can.

Why Chat if it helps I included some additional info about those collections on my EX report. There are 5 total: 1. A-1 Collections. Scheduled to drop off in November 2015. They haven't updated since April 2012. 2. A-1 Collections. Scheduled to drop off in January 2016. No update since April 2012. 3. A-1 Collections. Scheduled to drop off in December 2016. No update since April 2012. **The medical services provided for the above accounts was provided over 5 years ago. 4. American Adjustment Bureau. Scheduled to continue on record until Sept 2018. Last updated July 2015. Date of service from the OC was in May 2012. 5. Credit Resolutions LLC. Scheduled to continue on record until Feb 2019. Last updated in June 2015 and date of service for this was also in 2012.

Sorry to bump an old thread but I'm back at this. Life got a bit in the way so credit repair was placed on hold for a while. Anyhow I'm hoping to pick up where I left off and see this through to completion. I just read through this thread to see where I left off and pulled my credit reports. Using Whychat's awesome program, I was able to clear my TU and EQ reports of medical collections (though there are some non-medical baddies I need to deal with). However, EX played hardball and refused to reinvestigate some of my disputes the last time around, although they were well over a year old at that point. Therefore, they remain on my report. There are multiple accounts with the same CA for very very small amounts and some are due to age off within a few months, and some next year. Since I am starting school soon and have a family to support going into this, I am trying to optimize my credit so I can get the best rates on credit-based student loans. I have already opted out and my addresses are updated (EX has repeatedly refused to delete addresses). I know you recommend dealing with medical accounts before other non-medicals. However since only one CRA is reporting medical collections, is it safe to proceed with the non-medical accounts on the other 2 reports? I know I asked you this previously in the thread but since some time has passed, I want to make sure it's still okay. As for the repo I was also asking about earlier, I've found that that seems to be the most damaging aspect of my and my husband's credit reports. The repo was in December 2012 and the vehicle was sold in January 2013 (date of last payment is reported as 1/30/13 on reports). Since it has been over 2 years now, should I go ahead and address this now? It's on all 3 reports.

It's been a few weeks and I have some progress. So Experian responded to my address deletion request and did not delete anything. TU deleted all old personal info so currently, Equifax and Transunion both have my current address showing only. Experian still has a slew of old addresses but there doesn't seem to be anything I can do about that. Moving on, I sent pre-hipaa letters to all 3 CRAs. Experian and Equifax are still investigating. Equifax sent me a link via email to check my dispute results but I didn't use it because I've seen people on this site advise against viewing the dispute results online. I will wait for the results in the mail. TU deleted the accounts so now that report has no more medical collections . I have other collections to deal with on my TU reports (old cellphone, gym membership) as well as that Chase charge off. Why Chat my question for you is this: can I proceed to dealing with the other non-medical accounts on my TU report since that is now free of medical collections? Or shoud I wait until I have cleared the other two reports of these medical accounts?

also if it helps my last payment to them, or should I say them "helping" themselves to my bank account , was in April 2011, so next month will mark 3 years. For CT an open account is 3 years and a writen contract is 6 years. I'm assuming this is considered an open account since I never established any "written" contract with PRA? Please advise if I'm wrong.